The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$110,834
−HK$6,950/mo
▼ 0.25% · 3.875%
HK$114,281
−HK$3,503/mo
Today · 4.125%
HK$117,784
baseline
▲ 0.50% · 4.625%
HK$124,951
+HK$7,167/mo
Deposit HK$24.30M · loan HK$24.30M · min. income ≈ HK$235,568/mo (50% DSR)
Upfront cash ≈ HK$26.37M (deposit + AVD stamp duty HK$2,065,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,301
−HK$6,662/mo
▼ 0.25% · 3.875%
HK$126,608
−HK$3,355/mo
Today · 4.125%
HK$129,963
baseline
▲ 0.50% · 4.625%
HK$136,814
+HK$6,851/mo
Deposit HK$24.30M · loan HK$24.30M · min. income ≈ HK$259,926/mo (50% DSR)
Upfront cash ≈ HK$26.37M (deposit + AVD stamp duty HK$2,065,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,000
−HK$8,341/mo
▼ 0.25% · 3.875%
HK$137,138
−HK$4,203/mo
Today · 4.125%
HK$141,341
baseline
▲ 0.50% · 4.625%
HK$149,941
+HK$8,600/mo
Deposit HK$19.44M · loan HK$29.16M · min. income ≈ HK$282,682/mo (50% DSR)
Upfront cash ≈ HK$21.51M (deposit + AVD stamp duty HK$2,065,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,962
−HK$7,994/mo
▼ 0.25% · 3.875%
HK$151,930
−HK$4,026/mo
Today · 4.125%
HK$155,956
baseline
▲ 0.50% · 4.625%
HK$164,176
+HK$8,220/mo
Deposit HK$19.44M · loan HK$29.16M · min. income ≈ HK$311,912/mo (50% DSR)
Upfront cash ≈ HK$21.51M (deposit + AVD stamp duty HK$2,065,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,167
−HK$9,731/mo
▼ 0.25% · 3.875%
HK$159,994
−HK$4,904/mo
Today · 4.125%
HK$164,898
baseline
▲ 0.50% · 4.625%
HK$174,931
+HK$10,033/mo
Deposit HK$14.58M · loan HK$34.02M · min. income ≈ HK$329,796/mo (50% DSR)
Upfront cash ≈ HK$16.65M (deposit + AVD stamp duty HK$2,065,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,622
−HK$9,326/mo
▼ 0.25% · 3.875%
HK$177,252
−HK$4,696/mo
Today · 4.125%
HK$181,948
baseline
▲ 0.50% · 4.625%
HK$191,539
+HK$9,591/mo
Deposit HK$14.58M · loan HK$34.02M · min. income ≈ HK$363,896/mo (50% DSR)
Upfront cash ≈ HK$16.65M (deposit + AVD stamp duty HK$2,065,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,501
−HK$12,510/mo
▼ 0.25% · 3.875%
HK$205,706
−HK$6,305/mo
Today · 4.125%
HK$212,011
baseline
▲ 0.50% · 4.625%
HK$224,912
+HK$12,901/mo
Deposit HK$4.86M · loan HK$43.75M · min. income ≈ HK$424,022/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$2,065,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$221,943
−HK$11,990/mo
▼ 0.25% · 3.875%
HK$227,895
−HK$6,038/mo
Today · 4.125%
HK$233,933
baseline
▲ 0.50% · 4.625%
HK$246,264
+HK$12,331/mo
Deposit HK$4.86M · loan HK$43.75M · min. income ≈ HK$467,866/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$2,065,747 · Scale 2, in force from 26 Feb 2026)